1/3 of total monthly income going to savings? This is a subjective topic because people are living differently.

There are some people who are living on cities which earns a daily minimum wage and, in our country, if you are living in a city and you're a minimum wage earner, you'll be having a hard time saving money because your monthly income might just be enough for your needs and bills. On the other hand, if you are living outside the city (let's say in a province) and your monthly income is higher than that of a minimum wage earner then obviously saving 1/3 is possible.

Aside from the place where you are living, maybe you can consider too the monthly expenses and their kind of life. A person who doesn't have any family yet and has a higher income obviously can save 1/3 of their monthly salary. Now a person who already has a family might be having a hard time saving 1/3 because of the expenses.

Overall, saving 1/3 of the total monthly income depends on the life of a person. Some can do it which is very good, and some are not for some reasons. As for me, I don't have a family yet so I can still save 25% of my total monthly income.

I just saw a recent post in Facebook regarding this one:
Just imagine that for a second and many will think that what happened yesterday was a miracle. 1 historic record has been made by Luka and 1 historic record has been broken as well.

Like you, many are concern on how the Mavericks are relying too much on Luka when it comes to offense. Luka is 23 years old only and he's carrying the team like Lebron was in Cavaliers where they got swept in the NBA Finals. Luka is getting and better and better season after season, but his teammates aren't, and they are staying like an average player out there. His teammates need to step up if they want to achieve what they achieved last year.

The good thing right now is that the Mavericks are on a winning streak but still, Luka's teammates must step up offensively so he will not carry all of the burden of the team because that's hard. It will affect you physically and mentally.

Nothing unusual. As I expected, the Dragons won that Game 2 with a double-digit advantage as well like in Game 1.

If you've watched PBA Finals for many times, you might know already that this is "always" the scenario. One team will win and then the opposing team will win on the next game. That's why I didn't surprised when the Dragons won because it's kinda like a pattern just to hype the fans coming into the next game.

Not in the first games of the series.
I expect this kind of game to happen on around Games 4-6 or 7 if it will go to 7 games. TBH, Ginebra is trying to cut the lead, but the problem is that their offense is almost non-existent. Only 2 players got in double digits against 4 on the Dragons. They will be going back to the drawing boards and find an adjustment to their mistakes.

It's already tied so I guess the excitement is back again.

Many can compare 2022 and 2018 and many will say that it's the same. Well, if you will base on the price movement, they really are the same, but for me it isn't. In 2018, I'm still a newbie at that time that's why I considered 2018 as the "Year of Hell". Fast forward to 2022, it happened again but this time, I'm already ready if the worst thing comes and it came this year. I'm ready for it and instead of me panicking, I took the opportunity and accumulated slowly.

My experience this year has not been very happy but at the same time, not that sad. I might be a bit disappointed since I had an impermanent loss in my portfolio, but I'm happy that I bought cryptos and stock market for a cheaper price.

My expectations for 2023? For the market none but I expect, and I hope that the world will be better next year than this year. Crypto market will be moving in sideways. That's what I expect. I will continue accumulate still until next year as long as I have spare money.

If we will look at the cycle, I guess many already anticipated that 2022 will be the same as 2018.

2022 had been an awful year for investors because many lost their money the whole year but on the other hand, there are some investors who took the opportunity and bought some coins especially Bitcoin. This might be a bad year for some but for me, it's a good one still even though my portfolio's total value went down a lot. I took the opportunity as well and bought some cheap Bitcoins and also invested into Stocks for long run.

OP is optimistic and it's good to see optimistic investors after what happened this year. As for me, it will not be the same as 2022 but I expect a sideways movement for the whole market including the crypto market. 2023 will be the recovery year until we enter the bull market. My preparations for next year? None but I'll continue to accumulate Bitcoins and other cheap altcoins until the bull market comes.

Yes dati naming kasama ang mga WERJ noon di ko na nga lang matandaan yung pangalan ng pinakaleader namin noon.

Maganda yung management nila noon. Ang problema nga lang sa amin noon sa 134, kahit walang kalaban napakarami ng allies kaya yung sahod na DS nag hahati hati hanggang sa dumating na yung point na ang nakukuha na lang namin na sahod noon ay nasa around 100k-150k DS. Di sila madamot pero sana mejo balance yung pagbigay ng rewards. Nung nagNFT na yung pinakaleader ng WERJ, nadisband na rin yung buong alliance at saktong pumasok ang Saints noon.

Oo nga boss tamang swerte lang. Napasigaw na lang ako dito sa kwarto sa sobrang swerte .

Yung Epic na Earrings sa Letter of Hopes, temporary lang yun kaya hindi sulit. Ang pinakasulit don para sa akin is yung Dragonsteel if hindi pa kumpleto yung Dragon Artifacts mo na Rare. If kumpleto na, yung Rare Mystical Piece ang susunod. Yung Rare Divine Enhancement Stone ok rin if may mga +7 kang rare Tier 4 Items.

They've won 9 straight games but surprisingly, nobody is talking too much about it, or I'm not updated only .

Nevertheless, it's good to see the Nets starting to get some wins already after that awful start and a lot of drama that went on. Looks like their new coach is a perfect fit for the team. It seems like the yelling that KD is doing is firing all of the Nets roster and performing way better than what they are. KD and Kyrie are expected main offensive players for the team but what's better is that they are getting enough help for their role players and Simmons is slowly getting his rhythm already.

The Nets are 3rd in sportsbook before the season in which team has a higher chance to win. With their current roster and their current performance and if they will continue to play like this and there will be no injuries, they are formidable team to deal in the Eastern Conference.

Yan ang pamasko sa akin ni MIR4 galing sa Divine Dragon Blessing Event. Isang Legendary Hell Lord Inferno pet .
Sana makakuha rin kayo ng kahit hindi Legendary Spirit eh ibang Legendary na Items.

Sinaglit lang nila ung 134. Biruin mo ung main clan na tumulong pra kuhanin ung Castle nasa 10M ang total power nila.

Old server namin ang 134 at yun ang pinaka unang server ko noong naglaro ako ng MIR4 pero kinuha lang ng Saints sa amin. Masarap lang sa pakiramdam ko na after more than 9 months na sinakop nila yun, nakuha nang HOF yung server na yun.

Nothing wrong with it.
There are some people who really are thinking about their future all the time and there are people who are thinking of the material things only.

For me, there is nothing wrong if you will buy material things but better to balance the 2. I mean you can buy some material things that you need but at the same time, you will still keep some money in order for you to buy Bitcoins or any investments out there.

Overall, I hope that you bought something important for yourself aside from Bitcoin like material things that you need, or you gave presents to other people because they always say that "sharing is caring".

I put them to work thru staking. I've been doing it since last year.

TBH, with the current bear market, I only think of Bitcoin as the coin that I want to buy. I mean we are in a bear market, and we know that if we are in a bull market, altcoins tend to give more profits to holders than Bitcoin is right? We always see altcoins that are going x5 or x10 or even x20 in a bull market.

What are my plans? Just accumulate Bitcoin and maybe Ethereum for the rest of the bear market. I might buy some other top altcoins as well, but I'll be focusing more on the 2 coins that I said.

What do you expect. A 38-year-old player that still the main offense of the team?

Yes, he's been an all-star all throughout his career and he also gave all of the team he went a title in the past but like others, he's only a human and his body also weakens overtime. At 38 years old, we consider a player already past his prime, but Lebron is different (well kinda). He is still averaging 27 PPG still and with his age, that's already a huge contribution to the team. His defense? Well, at his age, he's stamina is relatively low as well, but the surprising thing is that he still plays 36 MPG.

Right now, the Lakers has no main man. AD? I can't consider him as a main man because just look where he is "AGAIN". A foot injury that will let him sit until February. It can't be Westbrook also. Now the Lakers are in a 4-game losing streak. I know that there are still many Lebron fans here but...it's pretty obvious that he can't carry a team anymore or not at least if he has all-star players on his team. The Lakers will not enter the playoffs this season "AGAIN".

FTT is the same with BSV. Not backed by anything. The only difference is that your coin has been delisted on Binance while FTT doesn't. That hurts BSV holders right that's why you are posting threads like this .

LUNA also scammed people, but they didn't get delisted on Binance. Correct me but I think the total trading volume of that coin in Binance also affects the decision whether they will delist it or not regardless of if it scammed people or not (which is kind of funny TBH).

Stats don't lie. Their main weapon which is their three points is a bit awful. 13/42 for 30%. In a finals game, it's awful especially if it's one of your main weapons in winning the game.

The intensity is just too much for the Dragons to handle. For them, it's like in NBA where they are facing the home team in a finals game. Well, the Ginebra can be considered a home team . They knew it in the eliminations that they will face a crowd like this. It's just it's too much for them and they don't have any answer for how Scottie is playing. His presence in the court greatly affects the Dragons especially on how he is getting offensive rebounds. He's just everywhere.

If only I put a bet yesterday, I won because it's 2.48 ML for the Ginebra IIRC. Game 2 is on the 28th. The question now is, will the Dragons use Powell if he's capable in playing. What will be the adjustments the Dragons will be doing coming into Game 2.

Just for context. 60 out of the 90 teams who won Game 1 in a PBA Finals come out to be victorious. Game 1 is always a huge game because that team will get the momentum.

It's exactly 25 of December here at 12:20 AM PH time. Merry Christmas to all of us.

I just hope that:
- you didn't make any bad decisions with regards to your investments this year and in the future
- you didn't lose your patience and sold your holdings at a loss.
- you're still ok despite of what's happening not only with the market but the recent events around the world
- you will make better decisions next year and, in the future, if you made some bad decisions this year

2022 really is a tough year not only with the whole crypto market but all of the markets. Aside from that, we've seen some people who are struggling more than they are years ago. We've seen 2 countries fighting with each other. I hope that all will be better this upcoming 2023 not only with the crypto markets but the life of each person.

Trading with borrowed funds? You can do it but with your question that is it wise to trade using borrowed funds, I don't think so.

I mean many of users here are against that one because of the risk that it may cause to the trader. You might lose your money especially if you are just started trading and after you lose, you will think of paying the capital plus the interest of the money you borrowed.

Maybe just borrow if you will invest it into an asset that is appreciating in the long run like in Real Estate or maybe in Stock Market. Even though many are against into it, it isn't illegal so you can just do it, but be ready with the consequences that you will face if you lose your money.

There are many. You can't just enumerate one as the biggest because all of them are somewhat connected and will help you not achieve financial freedom.

- Government.
- Way of lifestyle
- Attitude (not disciplined, always procrastinating etc.)
- Plans in life
- Your ultimate goal
- Financial Education

These are just some of the biggest obstacles or let's just say problems that will help you not achieve financial freedom. Overall, achieving financial freedom is very easy to say but TBH, it's very hard to achieve. On the other hand, you might surpass what I've said but, in the end, you might still fail to achieve financial freedom for some reasons.

I'm a man and I don't have any wife yet.

There will be a time that I will be a husband soon, and I guess I will share my seed phrase to her. All of my seed phrases which contains all of my altcoins will be shared to her. I guess there is nothing wrong with it right because your husband and wife already.

This might how I feel but I know that this is a subjective topic, and we aren't experiencing the same. The word here is trust. If you trust your husband/wife, you will give all of your seed phrases to him/her. The good thing is I trust my current partner thus, I will share it to him in the future.

Yes, I will share it to her, but he doesn't know how to withdraw funds.

I saw a post on Facebook that the Dragons are discussing whether they will choose Nicholson or Powell in the PBA Finals.
I don't know but this might affect the whole performance of the team. Ginebra beat them with Nicholson as their import, but they don't know if they can still defeat them if Powell will be their import.

If Nicholson will be their import, I guess that 2.44 ML of Ginebra is an attractive bet because they have a chance to defeat them because they already did in the eliminations and Brownlee played really well against Magnolia and his momentum might continue in the PBA Finals. Ginebra might take Game 1.

Derozan is 33 years old. Lavine is 27 years old. A bit younger but the problem is that their supposed big three isn't working for them.
The supposed big three of the Bulls which consists of Derozan, Lavine and Vucevic isn't working. Also include those role players that aren't doing much for the team to win. At least the Bulls are now in a 3-game winning streak but still, they are in the 11th spot.

If the Bulls do not play well this season, we will expect these 2 players to be traded and find another team. What makes me curious is that, of all the teams out there, why they want to be a Laker. It doesn't make sense because Lebron might retire after his 2-year contract with the Lakers or might play with another team. Wesbrook and Davis might get traded after this season especially Westbrook who will be a RFA and they don't have any draft picks.

Remember TNT? There was a time where they are shooting a lot of threes. While that playstyle helped them, they didn't help them this time because most of their threes aren't going in especially in the PBA Philippine Cup.

TNT and Dragons are different. Relying on three-point shooting is a double-edged sword. It might help you win the team but if shots aren't going it, it will be their reason for a team to lose. If you will look at all of the team's three-point shooting percentage, the Dragons have the highest percentage with 37% and they are shooting 36 threes per game. Ginebra on the other hand is 3rd with 35% with 30 attempts per game.

Will the Dragons rely on threes? I believe they will because they have good three-point shooters but on the other hand, if threes aren't going in for them, they will lose. As for Nicholson, he will always find a way to score. He scored only 28 points when these 2 teams matched up, but I'm pretty sure the Dragons want some revenge since Ginebra is the one who gave them their first loss.